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Awesome features with every account.

Find the account that's right for you.


At First Heritage Federal Credit Union we realize that everyone’s financial needs are different, which is why we offer a variety of personal savings accounts to meet those needs. Choose from our most basic account, an account that benefits from the cash rewards you earn with our Kasasa checking account, our specific vacation and holiday accounts, and even a savings account designed for kids! It’s never too early to get into the habit of saving.

All our savings account options offer convenient benefits while earning you interest. Whether you’re saving for your next vacation, home repairs, or your child’s college education you’ll be able to find a plan that works for you.

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Why open a credit union savings account?

First Heritage Federal Credit Union is a local organization, and we pride ourselves in the customer service, benefits, and competitive interest rates we offer our members. Joining is easy! If you live, work, worship or attend school in the three county community we serve, you’re eligible! This area is comprised of: The Steuben and Chemung counties of New York, and Tioga County of Pennsylvania, which includes Mansfield PA and Wellsboro PA.

Start your membership with a Share Savings account. By doing so, you become a First Heritage Owner as well as a member, and you’ll be able to enjoy all the benefits offered only to First Heritage members. You can use this savings account for any type of savings, whether you want to save for something short-term or you want to use it as your main account. Once you become a member, you can explore our other savings account options. We see our members as individuals—not numbers—and we know that everyone has a different financial story.

Apply for membership quickly and easily with our online application!

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*Special CU Succeed certificates are available for members 18 or under.  Minimum balance to open $100
**Rate is based on account balance